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20 Year Term Life Insurance
The 20 year term life insurance policy allows customers to purchase life insurance protection for 20 years. With this type of insurance policy, the insurance rates stay the same throughout the life of the term. The 20 year term life insurance policy is an alternative to the permanent life insurance policy.
Reasons for buying a 20 Year Term Life Insurance Policy
A 20 year term life insurance policy can help to protect families or businesses when an unforeseen death occurs. For example, the life insurance death benefit may help in the following instances:
- Paying for college tuition
- Paying off a mortgage
- Paying off a business or personal loan
- Helping to raise children
The rates of a 20 year term life insurance policy are generally lower than permanent life insurance rates. Since the rates stay the same for the life of the insurance policy, many find it to be more suitable to their needs. The logic behind the 20 year term life insurance begins and ends with security and protection of families and businesses.
Companies that Offer 20 Year Term Life Insurance Policies
Many top companies offer 20 year term life insurance. Companies have different premiums based on factors like age, health, lifestyle, and livelihood. Whether or not you smoke tobacco can influence your life insurance rates. The 20 year term life insurance policy for smokers can be significantly more expensive than for non-smokers. Most companies require that you be tobacco free for more than 12 months before becoming eligible for a non-tobacco 20 year term life insurance policy.
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